Ажиотаж вокруг кредитных карт становится опасным для россиян

Ажиотаж вокруг кредитных карт становится опасным для россиян

Чем грозит стремительный рост спроса на «пластик»

Ажиотаж вокруг кредитных карт становится опасным для россиян
фото: flickr.com

Похоже, россияне и не думают отказываться от кредитов. Более того, они еще чаще стали обращаться за финансовой помощью в банки. В начале 2018 года Национальное бюро кредитных историй (НБКИ) зафиксировало аномальный для этого периода рост кредитования населения. По его данным, число выданных отечественными банками займов выросло на 20,9%. В частности, ипотечных кредитов выдали на 63% больше в годовом выражении, автокредитов — на 29,1%, а потребительских кредитов — на 11,2%.

При этом теперь наши соотечественники отдают предпочтение кредитным картам. Объем выданного россиянам «пластика» увеличился на 68% по сравнению с тем же месяцем 2017 года. Таких результатов не достигалось с докризисного 2014 года.

Карточные фокусы

Наметившуюся динамику эксперты связывают с общим смягчением требований к заемщикам после фактического замораживания этого сегмента в 2015–2016 годах, когда банки неохотно выдавали карты даже наиболее надежным клиентам. Впрочем, по словам аналитика InstaForex Максима Магдалинина, январский бум кредитования вполне может оказаться краткосрочным всплеском. «Отчасти это связано с продолжительными праздниками. В России существует практика перевода январской зарплаты заранее, еще в декабре. В результате не все потребители могут верно распланировать свои расходы на продолжительный период. В итоге часть из них прибегают к краткосрочному кредитованию», — поясняет эксперт.

Тем временем банки не теряют времени даром и активно продвигают свои продукты. И, судя по январским показателям, делают это они вполне успешно. Финансовые учреждения завлекают клиентов условиями получения кредитной карты, которые, на первый взгляд, могут казаться очень привлекательными. К примеру, это отсутствие комиссии за выпуск «пластика» или его обслуживание. Но здесь, как предупреждают эксперты, есть нюансы, о которых следует знать. В первом случае плата может взиматься только за перевыпуск карты, но, если она утеряна или украдена, плата за обслуживание карты будет начисляться во все последующие годы ее использования.

Подобную информацию сотрудники банка стараются не афишировать, именно поэтому заемщику необходимо быть готовым к такому сюрпризу, как списание с кредитного счета комиссии за обслуживание «пластика».

Стоит также при подаче заявки на оформление кредитной карты внимательно ознакомиться с условиями предоставления кредитного лимита. Как правило, большинство банков практикуют индивидуальный подход к каждому клиенту, поясняя это возможностью выдачи кредита на самых выгодных условиях, что позволит существенно экономить денежные средства при его использовании.

Однако, по словам Максима Магдалинина, практика показывает, что после рассмотрения заявки желаемый кредитный лимит предоставляется, но по максимально допустимой процентной ставке. Например, в программе может быть заявлена одна ставка по кредиту, однако по факту она может оказаться другой. Это всего лишь банковская уловка, направленная на привлечение к обслуживанию новых заемщиков.

Многие банки также привлекают несомненным преимуществом в пользовании кредитной картой — наличием льготного периода при погашении суммы кредита. Как правило, заемщику устанавливается срок до 55 дней, в течение которого потраченные средства можно вернуть на карту без оплаты начисленных процентов. Однако банковские работники, как правило, стараются не упоминать о том, что такие условия погашения распространяются не на все операции по карте, а воспользоваться льготным периодом можно только при безналичной оплате картой товаров или услуг.

В случае же снятия с карты денежных средств проценты начисляются в полном объеме, что впоследствии будет влиять на сумму переплаты. Поэтому, если заемщик планирует активно пользоваться кредитной картой онлайн, то ему перед началом ее оформления следует выяснить информацию об условиях льготного периода при оплате покупок в Интернете, потому как в отдельных случаях условия погашения по карте могут не распространяться на такие операции.

Еще одна причина, по которой растет спрос на «пластик», — его доступность.

В настоящее время оформить кредитку можно лежа на диване, подав онлайн-заявку. Причем за картой не нужно ехать в банковское отделение. Заявка будет одобрена в течение считаных часов и за несколько дней курьером или почтой карту доставят по указанному адресу.

Опасный бум

В результате если еще сравнительно недавно Россия заметно отставала от развитых стран в вопросе использования населением кредиток, то сейчас мы явно наверстываем упущенное. Для сравнения: в 2013 году они были лишь у 5% населения. Сейчас же кредитную карту можно увидеть в кошельке каждого пятого россиянина.

Однако эксперты не спешат радоваться такой тенденции. В отличие от иностранцев наши соотечественники не умеют распоряжаться своими финансами. «Стремительный рост объемов выдачи кредитных карт населению в начале года не может не вызывать опасений. Да, Европа и США живут, повсеместно используя кредитные карты. У нас в отличие западных стран еще нет устоявшейся культуры жить в кредит. Поэтому для населения кредитные карты — это зачастую крайняя мера, к которой прибегают при острой нехватке средств. Только она еще подогревается различными предложениями банков с беспроцентными периодами, создающими иллюзию бездонной бочки», — поясняет первый заместитель директора Института актуальной экономики Иван Антропов.

Кроме того, россияне не до конца понимают, какие они берут на себя обязательства, оформляя кредитную карту или другой заем. Согласно опросу Национального агентства финансовых исследований, каждый четвертый респондент уверен, что невозврат кредита не является преступлением. А 38% не видят никаких проблем в небольшой задержке по выплатам. «Рост спроса на кредитные карты может быть опасен тем, что у людей не хватает опыта использования кредитных карт и своевременного погашения задолженности. То есть сейчас мы видим процесс увеличения задолженности населения перед банками, которую будет все сложнее погасить, ведь пока что реальные располагаемые доходы у населения так и не начали расти», — продолжает Антропов.

От кредита до суда — один неверный шаг

Действительно, с какой бы периодичностью российские чиновники ни рапортовали о выходе из кризиса и росте отечественной экономики, пустые кошельки граждан говорят об обратном. По данным Росстата, реальные располагаемые денежные доходы населения (с учетом инфляции) падают уже четвертый год подряд.

Возможно, по этой причине увеличение темпов потребительского кредитования в России коррелирует с ростом числа неплатежеспособных заемщиков. За последние пять лет количество исков о взыскании банками средств по договору займа или кредитам утроилось, свидетельствует статистика Верховного суда РФ. Например, в 2017 году Фемида рассмотрела 3,8 млн таких исков. При этом дела были удовлетворены на общую сумму 782 млрд рублей. Таким образом, с каждого должника в среднем было взыскано в пользу кредитора 260 тысяч рублей.

Поэтому эксперты рекомендуют внимательно читать договор при оформлении кредита, а также реально оценивать свои возможности отвечать по взятым обязательствам. Причем неважно, будет это кредитная карта или ипотека.

Финансовое учреждение может требовать от заемщика хорошей кредитной истории, стабильной зарплаты, надежных поручителей. Все это дополнительных затрат не требует. Другой вопрос, когда банк требует обязательного страхования жизни, здоровья или имущества заемщика.

При этом страховку требуется покупать каждый год до тех пор, пока не будет выплачен долг, что является непременным условием кредита по выгодной ставке. Как отмечают эксперты, прежде чем собирать документы для получения выгодного на первый взгляд займа, уточните, при соблюдении каких условий можно получить минимальную ставку. В ином случае может оказаться, что оплата дополнительных страховок обойдется дороже экономии на невысокой ставке.

Согласно закону банки не имеют права заставлять своих клиентов покупать у них дополнительные услуги, которые не нужны для заключения кредитного договора. Однако многие финансово-кредитные организации обходят этот закон, в частности когда речь идет о страховании или услугах по SMS-информированию.

Действующее законодательство предусматривает возможность заемщика отказаться от личного страхования или даже пожаловаться на действия банка в Роспотребнадзор. Но если он действительно нуждается в кредитной поддержке, то согласится даже на невыгодные для него условия кредитования.

Получайте короткую вечернюю рассылку лучшего в «МК» — подпишитесь на наш Telegram.

Источник: mk.ru

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If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

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Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

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The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

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